Create Sale with 3D Secure

Combines both the create authorization and capture authorization API calls into one.

attention

This API is available for Finix Flex and Finix Core customers.

A Transfer representing a customer payment where funds are obtained from a payment card. These specific Transfers are distinguished by their type which return DEBIT.

3D Secure 2.0 allows end-users to authenticate a transaction by having the cardholder authenticate with their issuing bank. By enabling 3D Secure on a transaction, you are shifting the liability of a chargeback from the merchant to the issuing bank. The integration requires a 3D Secure vendor to generate the values needed for 3d_secure_authentication.

Learn how to prevent duplicate transfers by passing an idempotency ID in the payload.

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curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/vnd.json+api" \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
	{
	    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
	    "3d_secure_authentication": {
	        "electronic_commerce_indicator": "AUTHENTICATED",
	        "cardholder_authentication": "BwABBJQ1AgAAAAAgJDUCAAAAAAA=",
	        "transaction_id": "EaOMucALHQqLAEGAgk"
	    },
	    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
	    "tags": {
	        "test": "sale"
	    },
	    "currency": "USD",
	    "amount": 92169
	}'

Example Response:

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{
  "id" : "AUgMXXghimoJyWBWhkEBuYgH",
  "application" : "APgPDQrLD52TYvqazjHJJchM",
  "amount" : 92169,
  "tags" : {
    "test" : "sale"
  },
  "state" : "SUCCEEDED",
  "currency" : "USD",
  "transfer" : null,
  "messages" : [ ],
  "raw" : null,
  "created_at" : "2022-01-27T07:37:10.74Z",
  "updated_at" : "2022-01-27T07:37:10.93Z",
  "trace_id" : "3590ead9-f41d-4e79-a574-598544893871",
  "source" : "PIe2YvpcjvoVJ6PzoRPBK137",
  "merchant_identity" : "IDuqZpDw28f2KK6YuDk4jNLg",
  "3ds_redirect_url" : null,
  "is_void" : false,
  "void_state" : "UNATTEMPTED",
  "expires_at" : "2022-02-03T07:37:10.74Z",
  "idempotency_id" : null,
  "_links" : {
    "self" : {
      "href" : "https://finix.sandbox-payments-api.com/authorizations/AUgMXXghimoJyWBWhkEBuYgH"
    },
    "application" : {
      "href" : "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
    },
    "merchant_identity" : {
      "href" : "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
    }
  }
}

HTTP Request

POST https://finix.sandbox-payments-api.com/transfers

Request Arguments

Field	Type	Description
`amount`	integer, required	The total amount that will be debited in cents (e.g. 100 cents to debit $1.00)
`currency`	string, required	3-letter ISO code designating the currency of the Transfers (e.g. USD)processor
`fee`	integer, optional	The amount of the Transfer you would like to collect as your fee in cents. Defaults to zero (Must be less than or equal to the amount)
`idempotency_id`	string, optional	A randomly generated value that you want associated with the request
`merchant`	string, optional	Merchant ID of the merchant whom you're charging on behalf of
`source`	string, required	ID of the Payment Instrument that will be debited
`tags`	object, optional	Key value pair for annotating custom metadata (e.g. order numbers)

3d_secure_authentication-object Request Arguments

Field	Type	Description
`cardholder_authentication`	string, required	Provides evidence that the cardholder authentication occurred or that the merchant attempted authentication. This is unique for each authentication transaction.
`cardholder_ip_address`	integer, optional	Only required for American Express cards. Format is nnn.nnn.nnn.nnn
`electronic_commerce_indicator`	string, required	AUTHENTICATED: Approved by 3D Secure Vendor; ATTEMPTED: Issuer or cardholder does not support 3D Secure
`transaction_id`	string, optional	Only valid for Visa transactions